Peoples Bank in Chatham, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank - Overview

  • General
  • FDIC Certificate #: 9328
    Status: Active
    Federal Reserve ID: 923257
    Date Established: January 01, 1908
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 5982
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Front And Barnett Streets, Chatham, LA 71226
    County: Jackson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Ruston, LA (#40820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $21.9 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $18.2 mil
    Return on assets (ROA): 0.81% ($0.2 mil)
    Quarterly return on assets: -1.74% (-$0.4 mil)
    Return on Equity (ROE): 4.84% ($0.2 mil)
    Quarterly return on equity: -10.64% (-$0.4 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 1.41% ($308.6 mil)
    Quarterly Pretax return on assets: -1.94% (-$424.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $21,886Total assets
  • $2,722Cash and due from depository institutions
  • $2,241Interest-bearing balances
  • $623Securities
  • $175Federal funds sold & reverse repurchase agreements
  • $17,205Net loans & leases
  • $340Loan loss allowance
  • $0Trading account assets
  • $444Bank premises and fixed assets
  • $57Other real estate owned
  • $0Goodwill and other intangibles
  • $21,886Life insurance assets
  • $660All other assets
  • $18,326Total liabilities and capital
  • $18,240Total liabilities
  • $15,412Total deposits
  • $18,240Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $86Subordinated debt
  • $3,560All other liabilities
  • $3,560Total equity capital
  • $3,560Total bank equity capital
  • $0Perpetual preferred stock
  • $37Common stock
  • $2,150Surplus
  • $1,373Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $334Income earned, not collected on loans
  • $0Earning assets
  • $155Long-term assets (5+ years)
  • $20,244Average Assets, year-to-date
  • $3,514Average Assets, quarterly
  • $21,089Volatile liabilities
  • $22,042Insider loans
  • $14,535FHLB advances
  • $22,140Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,560Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $626Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,359Total interest income
  • $146Total interest expense
  • $1,213Net interest income
  • $40Provision for loan and lease losses
  • $94Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8Additional noninterest income
  • $970Total noninterest expense
  • $489Salaries and employee benefits
  • $128Premises and equipment expense
  • $353Additional noninterest expense
  • $297Pre-tax net operating income
  • $0Securities gains (losses)
  • $126Applicable income taxes
  • $171Income before extraordinary items
  • $0Extraordinary gains - net
  • $171Net income attributable to bank
  • $0Net charge-offs
  • $171Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $24Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.00%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 6.25%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 5.00%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 4.84%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 2000.00%Credit loss provision to net charge-offs
  • 168.50%Efficiency ratio
  • 74,216Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.04%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 101.80%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 94.33%Net loans and leases to core deposits
  • 101.19%Equity capital to assets
  • 16.27%Core capital (leverage) ratio
  • 16.08%Tier 1 risk-based capital ratio
  • 24.49%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $21,089Average earning assets
  • $3,535Average equity
  • $19,419Average loans

List of branches

  • 1 Louisiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05982Peoples BankFront And Barnett Streets, Chatham, LA 71226January 01, 1908Full Service Brick and Mortar

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